Speaker - Beyond the Numbers: What Your Balance Sheet is Telling You

Melissa Scott serves as vice president of balance sheet strategy at Vizo Financial, where she has built more than two decades of experience supporting credit unions since joining the organization in 2003. In her role, she leads efforts that help credit unions understand, measure and manage balance sheet risk and performance, with a particular focus on aligning financial strategy to long-term institutional goals.

Ms. Scott is responsible for delivering asset liability management (ALM) reporting, financial modeling and consulting services that help credit unions evaluate interest rate risk, liquidity considerations, capital planning needs and overall balance sheet resilience. She also provides model validation services to assess whether models are appropriately designed, accurately implemented and producing reliable results to support management and board decision-making.

In addition to ALM and model risk oversight, Ms. Scott oversees Vizo Financial’s current expected credit loss (CECL) service. In that capacity, she partners with credit unions to support compliant and practical CECL implementation and ongoing execution, helping institutions estimate expected credit losses. Across these responsibilities, she works closely with credit union leadership teams to develop strategies that support day-to-day balance sheet objectives while keeping sight of longer-term financial priorities such as sustainable earnings, prudent risk levels and strong capital positions.

Prior to joining Vizo Financial, Ms. Scott worked in public accounting, where she audited a number of credit unions. That background provides her with a strong foundation in financial reporting, internal controls and industry-specific regulatory and operational considerations.

She earned her Bachelor of Science degree from Greensboro College in Greensboro, N.C. Ms. Scott is a Certified Public Accountant (CPA) and is a member of the North Carolina Association of Certified Public Accountants.

Alicia Moore is the senior business consultant CECL for Vizo Financial Corporate Credit Union. In this role, she is responsible for working with Vizo Financial members and ARCSys to implement and support the CECL program.

Ms. Moore has 34 years of corporate credit union experience and has held various key positions across accounting and operations departments. She holds numerous industry certifications, including Certified Bank Secrecy Act Professional (CBSAP), Credit Union Compliance Expert (CUCE) and Credit Union Enterprise Risk Management Expert (CUERME).

Ms. Moore graduated from the University of North Carolina at Greensboro with a Bachelor of Science in management and marketing.

Michael Rice is the director of asset/liability management (ALM) services for Vizo Financial. He joined Vizo Financial in 2014. He is responsible for providing ALM reporting, modeling and consulting services to credit unions.

Prior to joining Vizo Financial, Mr. Rice was an AVP/staff accountant for a community bank. In this role, he was responsible for ALM management, forecasts, budget, daily cash management and wholesale funding. He was also a member of the bank’s ALCO and technology committees.

Mr. Rice received both his bachelor’s and master’s degrees in business administration from High Point University in High Point, North Carolina.

Jamie Thacker is a senior asset/liability management (ALM) consultant for Vizo Financial. Mr. Thacker joined Vizo Financial in 2015. He is responsible for providing ALM reporting, modeling and consulting services to credit unions.

Prior to joining Vizo Financial, Jamie was a tax manager at an accounting firm in High Point, N.C. In this role, he was responsible for the preparation of individual, corporate and partnership tax returns in numerous industry types.

Jamie received his bachelor’s degree in accounting from Shepherd University and his MBA from the University of Florida. He is a CPA and a member of the American Institute of Certified Public Accountants.